خلاصہ

I am an enthusiastic, self-motivated, reliable, responsible and hard working person. I am a mature team worker and adaptable to all challenging situations. I am able to work well both in a team environment as well as using own initiative. I am able to work well under pressure and adhere to strict deadlines.

تجربہ

کمپنی کا لوگو
Manager Credits (SME/COMM)
Meezan Bank Limited
جنوری ۲۰۱٦ - موجودہ | Bahawalpur, Pakistan

Currently working with Meezan Bank as Manager Credit (SME/COMM) at Regional Office Bahawalpur from Jan -2016 to Present.
• Interacting with existing/potential customers for providing leads of additional business.
• Write-up of Credit Proposals of existing / potential customers after gathering information.
• Initiating fresh loan proposals, conducting Financial and Cash Flow Analysis and ascertaining Working Capital and Seasonal Finance Requirements of the business.
• Satisfying and responding the concerns and queries of Credit Risk Management and securing loan approvals.
• Execution of sanctioned limits within the parameters approved by the bank.
• Ensuring the adequacy of offered collateral securities by visiting the proposed properties and conducting market check.
• Arranging and vetting legal opinions on genuineness and fitness of the properties to create bank’s mortgage charge.
• Execution of post approval documentation formalities like execution of mortgage formalities, charge documentations and obtaining Disbursement Authorization from the Credit Administration Department.
• Post disbursement monitoring of the portfolio.
• Ensuring credit health and performance of the portfolio by way of Credit Maintenance during the currency of limit.
• Managing portfolio and its credit maintenance i.e. expiries, stock reports, call reports, insurance, inspections, valuations etc.
• Monitoring and visiting pledge sites in different frequencies of time and ensuring bank’s effective control & custody over the pledged stocks.
• Ensuring timely adjustments of credit facilities and regular profit servicing by pursuing the relationships.
• Responsible for timely renewals through annual reviews of the existing asset relationships
• Preparation of Credit Structure In line with Shariah & PDSC
• Preparation of business process flow (Wheat, Rice, Cotton & Trading concerns) and execution of following contracts: Murabaha, Istisna, Tijarah & DM.

کمپنی کا لوگو
Senior Officer HR/Finance/MIS
Meezan Bank Limited
جولائی ۲۰۱۴ - دسمبر ۲۰۱۵ | Bahawalpur, Pakistan

Worked as Senior Officer and managing the work of Finance, MIS, HR and coordination at Regional Office Bahawalpur from May 2014 to December 2016.
• Budget preparation of Bahawalpur Region Branches i.e. Deposit, Finance and all KPI’s.
• Processing-medical/survey/visit/fuel and hotel reimbursement bills of staff and Executives.
• Opening of New Branches under ABEP 2014 and 2015 and arranged pre and post documentation.
• Handling Admin related issues of Region/Branches/Areas and various Departments on routine basis.
• Process reimbursement of medical/fuel/car/rent facilities bills of staff and monitor abuse of these facilities.
• Processing of enlistment / reenlistment of Hotels for Company panel and negotiate corporate rates with them.
• Calculating actual profitability of Branches and reconciliation of working with inter Branch allocations reports.
• Monitoring of Branches and Area operating expenses, and handling all finance and administration related issues.
• Analysis of current business performance through various drill down productivity cuts such as revenue productivity, volume productivity and unit productivity
• Critical examination on profitability of Business segments and deliberate Road MAP along with Way forward for conversion of loss making Branches into profit generating unit
• Developed MIS of all KPI’s, (Key Performance Indicators)
• Preserving Performance score card of All Branches by reviewing their targets and performance.
• Maintaining Balance score card, Profitability, Controls, Alternate Delivery Channels, Cross Sell and Funded/Non-funded SME/COMM financing.
• Developed and daily updating Human Resource Management information system as per approved Organograms
• Deal with establishment functions including processing of leave, attendance, overtime, etc. through manual and BIO Metric system.

کمپنی کا لوگو
Operations Officer
Meezan Bank Limited
مارچ ۲۰۱۴ - جون ۲۰۱۴ | Bahawalpur, Pakistan

• Reporting of Account Opening & Deposit position to superior offices (Regional/Area Office) on daily basis.
• Handling of Clearing Operations i.e. processing of inward/outward clearing on routine basis and balancing of inward/outward clearing with the main branch
• Issuance of Pay Orders i.e. internal & external payment orders and deal with customers on specific issue.
• Posting of branch Vouchers i.e. Janitorial, others over head, customer entertainment, Tea sugar etc.
• Maintain and update voucher Register on daily basis.
• Dealing with Customers and solve their matters regarding Online, pay orders, clearing etc

تعلیم

Al-Huda Center of Islamic Banking & Finance
ڈپلوما, Post Graduate Diploma in Islamic Banking & Finance‎
Islamic Banking & Finance
مکمل
2014
International Islamic University
بیچلرز, , BBA (Hons)‎
فی صد 79%
2013
BISE Bahawalpur
انٹرمیڈیٹ / اے لیول, , I.Com‎
Commerce
فی صد 76%
2009
BISE Bahawalpur
میٹرک / او لیول, , Matric in Science‎
Science
فی صد 80%
2007

پیشہ ورانہ مہارتیں

ماہر Financial Statement Analysis+
ماہر Handling Assignments
ماہر Microsoft Outlook
متوسط Stitching Skills

زبانیں

ماہر پنجابی
ماہر اردو
ماہر انگریزی

آپ کن کمپنیز کی پیروی کر رہے ہیں

Muhammad آپکے جاننے والے

Qasim Sajjad
(NBP) National Bank of Pakistan
Mehvish Javed
Mercy corps